The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,502
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,280/mo
Today · 4.125%
HK$43,041
baseline
▲ 0.50% · 4.625%
HK$45,660
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,082/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,266
−HK$1,226/mo
Today · 4.125%
HK$47,492
baseline
▲ 0.50% · 4.625%
HK$49,995
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,984/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,536/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$3,143/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,471/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$59,994
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,792/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,925
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,716/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$69,994
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,903
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,171
−HK$2,304/mo
Today · 4.125%
HK$77,475
baseline
▲ 0.50% · 4.625%
HK$82,189
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,950/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,104
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,279
−HK$2,207/mo
Today · 4.125%
HK$85,486
baseline
▲ 0.50% · 4.625%
HK$89,992
+HK$4,506/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$170,972/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,071 · Scale 2, in force from 26 Feb 2026)